Your Executive Home Policy - Private Client Insurance Policy Booklet - Covéa Insurance
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Your Executive
Home Policy
Private Client Insurance
A specialist
policy designed for
high value homes
and contents
Policy Booklet
May 2021
Executive Home Policy
Introduction
Thank you for We are delighted that you have chosen Covéa Insurance to insure your home, contents
and valuables. We hope that you are happy with your cover and the service we provide. Our
insuring your insurance is provided by Covea Insurance plc and DAS Legal Expenses Insurance Company
home with Limited (in relation to the Legal Protection and Home Cyber cover).
Covéa Insurance. Please make sure that you read this document to make certain you are aware of all the cover
and benefits that this policy can offer, and to ensure that the policy is right for you.
Before you do anything else, please ensure that you have checked the following documents
carefully:
• Your Schedule
• Your Statement of Fact
These documents, and any endorsements we send you, form the contract between you and us.
Check all the information you have provided to us is correct in your Statement of Fact. If any
information is incorrect, please tell your insurance broker or advisor straight away as this could
affect your insurance cover.
James Reader
Please ensure that you read the general conditions and general exceptions sections of this
Chief Executive Officer document carefully as they contain important information which will apply to all sections of
Covea Insurance plc your policy.
Should you need to make a claim against your policy please refer to page 6 of this document.
Executive Home Policy
Contents
Helplines 4
Making a Claim 6
Helpful Hints 7
Additional Policy Features 10
Assistance and Complaints Procedure 11
Definitions 12
Sections
1 Contents, Art and Jewellery 16
2 Buildings 25
3 Liability 31
4 Family Protection and Assistance 36
a Lifestyle Protection 37
b Home Emergency 39
c Legal Protection 41
d Home Cyber 53
General Conditions 60
General Exceptions 64
Further Information 66
Please refer to your schedule for details of your cover.Executive Home Policy
Helplines
Home Emergency A 24 hour Helpline operated by Sedgwick International UK that provides 0330 134 8162
a call-out service for emergency repairs. Please see full details on pages
39-40.
Legal Advice A 24 hour Helpline operated by DAS Legal Expenses Insurance Company 0330 134 8164
Limited that will provide you and your family with confidential advice
over the phone on any personal legal issue, under the laws of the United
Kingdom of Great Britain and Northern Ireland, any European Union
Country, the Isle of Man, the Channel Islands, Switzerland and Norway.
Advice about the law in England and Wales is available 24 hours a day,
seven days a week. Legal advice for other countries is available 9am-5pm,
Monday to Friday excluding public and bank holidays. If you call outside
these times, a message will be taken and a return call arranged within
operating hours.
Tax Advice A Helpline operated by DAS Legal Expenses Insurance Company Limited 0330 134 8164
that will provide you and your family with confidential advice over the
phone on personal tax matters in the UK. Tax advice is provided by tax
advisors 9am-5pm, Monday to Friday, excluding public and bank holidays.
If you call outside these times, a message will be taken and a return call
arranged within operating hours.
Health & Medical Information A Helpline operated by DAS Legal Expenses Insurance Company Limited 0330 134 8164
Service that will provide you with information over the phone on general health
issues and advice on a wide variety of medical matters. DAS can provide
information on what health services are available in your area, including
local NHS dentists. Health and Medical information is provided by a
medically qualified person 9am – 5pm, Monday to Friday, excluding public
and bank holidays. If you call outside these times, a message will be taken
and a return call arranged within operating hours.
Counselling Service A 24 hour Helpline operated by DAS Legal Expenses Insurance Company 0330 134 8165
Limited that will provide you and your family with a confidential counselling
service over the phone if you are aged 18 or over (or aged between 16 and
18 and in full-time employment). This includes, where appropriate, referral
to relevant voluntary or professional services. You will pay any costs for
using the services to which DAS refer you.
4Executive Home Policy
Helplines
Cycling Injury A 24 hour helpline operated by DAS Legal Expenses Insurance Company 0330 134 8164
Limited. If you are injured in a road traffic accident which was not your
fault whilst riding your pedal cycle, DAS will help you recover your losses
from the person who caused the accident. Phone DAS as soon as possible
after your accident to speak with one of DAS’ dedicated customer claims
handlers. For further details on what is covered, please refer to section 4C -
Legal Protection, Insured Incident 3, Personal Injury on page 44.
Home Cyber Helpline & Attack A 24 hour helpline operated by DAS Legal Expenses Insurance Company. 0333 130 4614
Resolution Service Unlimited access to experienced fraud and cyber specialists who can
answer questions and resolve identity theft issues. DAS experts resolve
around 98% of cases received without the need to make a claim.
The DAS cyber attack resolution service will provide full data forensic
support for 1 hour per incident for a range of issues affecting your home
systems, such as malware, computer virus and hacking. If your issue cannot
be resolved after 1 hour and needs to be dealt with as a potential claim,
DAS will pass the details on to their claims-handling teams and explain
what to do next.
DAS Householdlaw & Cyber DAS Householdlaw & Cyber Service contains a range of regularly updated
Service legal guides, document builders, interactive checklists and videos to help
you with family, employment and consumer issues. It also has a range
of educational guidance on how to protect against digital compromise
including best practice, tip sheets and more, providing information on
topics such as identity theft and other privacy related concerns.
Please visit: www.dashouseholdlaw.co.uk
• enter the code provided within your policy documentation into the
‘voucher code’ text box and press Validate Voucher
• fill out your name and email address, and create a password
• validate your email address by pressing the link in the confirmation
email that you receive
DAS cannot accept responsibility if the helpline services they provide are unavailable for reasons they cannot control.
Please note that calls may be monitored or recorded to ensure the accuracy of information and the quality of service.
5Executive Home Policy
Making a Claim
Before you get in What to do if the worst happens…
touch it will help us You may first wish to contact your insurance advisor or broker for advice or help with your
claim, but you can of course contact us directly 24 hours a day, 365 days a year.
if you have:
• your policy number To make a claim, please contact: 0330 134 8186
Or report your claim via email claimspost@coveainsurance.co.uk
• details of how the incident occurred
Or write to us
• information regarding the damage Covéa Insurance
Property Claims
50 Kings Hill Avenue
Kings Hill, West Malling
Kent, ME19 4JX
For claims under sections 4b, 4c and 4d please use the following contact details:
• Home Emergency: 0330 134 8162
• Legal Protection: 0330 134 8164
• Home Cyber: 0333 130 4614
Our commitment to you
No one wants to make a claim, but it’s our job to make it as easy and hassle-free as possible when
you do. As part of our multi-award-winning claims service, we make the following commitments to
you:
• No claim forms to complete
• Response to all queries within two working days
• Your own experienced and dedicated claims manager who will personally manage your claim
from start to finish
• Choice of your own contractor or supplier, or allow us to assign our own specialists if you prefer
• We will pay your claim within two working days of agreeing the settlement amount.
Important Further advice
Where applicable, please refer � Take all reasonable precautions to prevent loss, injury or damage
to the basis of claims settlement
� Do not negotiate, admit or repudiate any claim without our written consent
under each section for details of
how we will settle your claim. � Do not dispose of any damaged items as they may be needed for inspection
Please note
The payment of a claim may affect your next renewal premium. You may wish to balance this against the amount for which you are
claiming, if this is a relatively small amount.
If a claim is made for loss or damage under more than one section resulting from the same cause and at the same time, you will only
pay one excess. If different excesses apply, you will only pay the higher amount.
6Executive Home Policy
Helpful Hints
Avoid being a victim of crime Most household burglaries are committed by opportunists. By taking some relatively simple
steps you can decrease the chances of a break-in and make your home safer:
• Ensure that locks are installed on all windows and doors and that even if the property is
occupied, ground floor windows and doors are locked where possible with keys removed
• Secure outbuildings using a hasp and staple with a closed shackle padlock
• Consider installing an alarm at your home to increase security and ensure that the system
is active overnight or when your home is unoccupied. Centrally monitored alarms will ensure
that notifications are issued to you, your key holders and Security Company should your
alarm be activated. Vibration sensors can be fitted wirelessly to doors and windows which
can activate the alarm before entry is gained
• Replacing old alarm boxes and keeping fencing and gates in good order demonstrates that
security at your home is taken seriously and may deter opportunistic thieves
• Gravel driveways, motion triggered security lighting and time switches for internal lights are
additional deterrents
• Always keep your cash, keys, credit cards and portable, high risk items out of sight
• Lock bicycles securely to a permanent structure when away from your home
• Beware of bogus callers and don’t allow anyone to enter your home without first confirming
their identity.
Dealing with burst pipes and leaks Reduce the risk of burst pipes and leaks by:
• leaving the heating at a minimum of 15°C
• opening the loft hatches in your home so warm air can circulate to help prevent freezing in
cold weather spells
• insulating all pipes and water tanks including those outside of the heated areas of your
home, such as attic and roof spaces
• making sure you can locate your mains water supply and that you know how to turn it off
• turning off the water supply to outside taps
• having emergency contact details readily to hand.
Storm Damage • Regularly check the condition of all roofs including garages, sheds and flat roofs for signs of
wear and tear
• Keep gutters, gullies and drains clear to carry water away quickly and efficiently
• Be mindful of low hanging tree branches which could cause damage in high winds and
check the trees within your garden and estate for any visible damage following a storm
which may require maintenance.
Flood advice • Be aware of Met Office / Environmental Agency warnings
• If there is a risk of flooding, try to move as many possessions into upstairs rooms as possible
• If you have been flooded, don’t enter your property until the mains electricity has been
turned off and never use electrical appliances that may be wet
• Gas can get trapped in a building after a flood, so use a battery powered torch and never
use open flames to light your way.
7Executive Home Policy
Helpful Hints
Caring for your valuables • Keep your jewellery and watches in a professionally installed safe when not being worn
• Take photographs of your valuables. Should the worst happen, having photographs could
assist at claims stage to prove ownership and assist in recovery or replacement
• Ensure that your jewellery and watches are professionally valued by a National Association
of Jewellers www.naj.co.uk registered valuer at least every 5 years and that you have
adequate insurance cover in place. Valuations from other sources may not be reliable if the
valuer does not hold the relevant qualifications or expertise
• Have your jewellery and watches checked regularly to ensure any clasps, settings and straps
are maintained in good working order
• Protect your fine art against extreme or fluctuating heat and humidity by securely hanging
out of direct sunlight and away from radiators or air conditioning outlets.
• Avoid displaying your fine art and antiques directly under bathrooms or ensuites to protect
against the risk of water damage from leaking pipes or fittings
• Always use professional removal companies when transporting your art and antiques.
Fire Prevention and Safety • Smoke detectors are important safety devices. Fit detectors in prominent places on each
floor of your home including within proximity to bedrooms and check the batteries on a
regular basis
• Ensure that you have a fire escape plan and share with all occupants of your home. Purchase
escape ladders if suitable for your property
• Have the chimneys swept regularly and if you have open fires always use a fireguard
• Never leave hot fat or oil when cooking. If a pan does catch fire, cover it with a fire blanket
or damp cloth – do not put water on it
• Gas appliances should be serviced regularly by a Gas Safe registered engineer
• Do not tape up worn electric cables as they can be dangerous and should always be repaired
• Be careful not to overload sockets. You should fit no more than one plug per socket; use an
extension lead if you need to fit more
• Ensure that smoking materials are properly extinguished/discarded
• Never leave candles or oil burners unattended and ensure that they are extinguished before
you go to bed
• Do not leave phones or other personal electrical devices charging overnight and ensure that
charging cables are purchased via manufacturer approved stockists
• Empty fluff regularly from tumble dryers in line with manufacturer’s instructions
• Only purchase electrical appliances which have a British or European Safety mark.
8Executive Home Policy
Helpful Hints
Staying safe online • Install anti-virus software on all devices and keep it up to date
• Ensure that your systems and software are kept up to date with the latest versions and
software updates
• Back up your data on a regular basis. This will allow recovery should your data be lost or
stolen
• Most web browsers offer the ability to block pop-up windows from appearing. Switching off
pop ups can protect against harmful ones
• Always check both privacy settings and parental controls on all of your home and mobile
devices
• Be vigilant and suspicious of unexpected email requesting personal information or bank
details and never click on links or attachments unless you are sure that you trust the source
• Exercise caution when paying invoices received by email and check bank details to ensure
that they are correct. Emails can be hacked and details can be changed without you
knowing
• Banks or similar organisations will not ask for your PIN numbers or full passwords. If you are
in any doubt, contact the organisation directly to check if a communication is genuine. Do
not use telephone numbers or links contained within emails
• Don’t use the same passwords for every account. Steer clear of personal or easily
identifiable passwords such as dates of birth or family names and ensure that you are
changing your passwords regularly
• To assist in maintaining the security of your email accounts, take care when responding to
requests to verify your login credentials for email accounts. Some links can redirect you to a
legitimate looking screen which will collect your username and password credentials.
Legal Expenses Insurance • DAS provide unlimited access to a legal advice helpline where you can speak to a team of
trained legal advisers at no additional cost
• Even if you don’t know if your legal issue is covered by your policy - call DAS at any time to
find out. In the unfortunate event that your issue is not covered, you can still make thorough
usage of the legal advice helpline provided
• Remember to contact your legal expenses insurer before appointing a lawyer or taking any
legal action
• Gather all your documentation together before making a claim e.g. contracts,
correspondence and your policy schedule.
9Executive Home Policy
Additional Policy Features
Did you know… Whether extra support in the event of a claim, or bespoke solutions for helping you and
your family manage your property and possessions, your Executive Home policy has been
As an Executive Home client you
tailored to help you when it really matters.
are entitled to many significant
additional policy features
designed to suit your needs and Should the worst happen...
your lifestyle. You could utilise the following benefits
• A suite of family protection and assistance covers
• Up to £2,500 towards the installation of flood or leak detection and prevention systems
(see pages 19 and 26 for full terms and conditions)
• Unlimited replacement for locks and keys if lost or stolen
(see pages 20 and 27 for full terms and conditions)
• Up to £25,000 if you’re the target of credit card fraud
(see page 38 for full terms and conditions)
• Up to £10,000 towards environmental home upgrades
(see page 25 for full terms and conditions)
Understanding your lifestyle…
• Worldwide, all risks cover;
• Cover during building works on your property up to £75,000 including VAT (see page 26
for full terms and conditions);
• Cover available for your property portfolio, including rental properties and UK holiday
homes;
• Golf – cover for replacement clubs if abroad and £500 hole-in-one benefit.
10Executive Home Policy
Assistance and Complaints Procedure
What to do if things If you are not satisfied with the service we have provided, please tell us so that we can do
our best to resolve the problem.
go wrong…
You can contact us in the following ways:
It is always our intention to provide
a first class service to our customers. By phone: 0330 134 8161
However, if you do not feel that we By Email: information@coveainsurance.co.uk
have attained the high standard
Or you can write to us at:
of service you would expect please
The Customer Services Manager
follow these steps to contact the
Covea Insurance plc
correct department.
50 Kings Hill Avenue
Kings Hill, West Malling,
For full details of our complaints
Kent ME19 4JX
procedure, please contact us or
download a copy from our website: If you have a complaint under the following covers please refer to the relevant policy
www.coveainsurance.co.uk/ section.
complaints • Home Emergency (page 40)
• Legal Protection (page 50)
• Home Cyber (page 50)
All calls may be recorded for training and monitoring purposes.
Alternatively please contact your insurance broker or advisor.
You may be eligible to refer your complaint to the Financial Ombudsman Service.
For further details, they can be contacted as follows:
Phone: 0800 023 4567 from a landline or 0300 123 9123 from a mobile.
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
Write to: The Financial Ombudsman Service Exchange Tower, London, E14 9SR
Your legal rights are not affected by following the steps shown above.
Further assistance? We are able to provide, upon request, audio format, large print and Braille documentation.
Please advise us if you require any of these services to be provided so that we can
communicate in an appropriate manner. Alternatively, if you have hearing or speech
difficulties and have access to a text telephone you can call any of our numbers using the text
relay service operated by Action on Hearing Loss (formerly known as RNID). Should you need
assistance from someone else to assist in transacting business on your behalf then you can
add an authorised person to your policy to do this.
11Executive Home Policy
Definitions
Any words or expressions listed below will carry the same meaning wherever they appear in the policy, unless stated otherwise. Section 4
contains additional words and expressions with meanings specific to those sections.
act of terrorism an act or threatened act of persons acting alone or on behalf of, or in connection with, any
organisation which carries out activities directed towards the overthrowing or influencing, by force
or violence, of any government and:
• involves a violent or an unlawful use of force or an unlawful act dangerous to human life,
property or infrastructure, or a threat thereof; and
• is or appears to be intended to intimidate or coerce a civilian population or disrupt any
segment of the economy of any government, state or country or overthrow, influence or affect
the conduct or policy of any government by intimidation or coercion or affect the control of
any government by mass destruction, assassination, kidnapping or hostage- taking; and
• is committed for political, religious, ideological, ethnic or other similar purposes
art and antiques individual items, collections and sets that have artistic or historical value, are rare or unique and
are used solely for domestic purposes, all belonging to you or your family or for which you or
your family are legally responsible including:
• antique and designer furniture;
• paintings, drawings, etchings, maps, prints, photographs, books and manuscripts;
• tapestries and rugs;
• clocks and barometers;
• statues and sculptures;
• stamps, coins, medals, collectables and other fine art;
• china, glassware and porcelain;
• household gold, platinum, pewter and silverware including plate;
• guns
bodily injury death, injury, illness, disease or shock (this definition does not apply to section 4c)
buildings the home and its walls, fences, gates, hedges, permanent fixtures and fittings, alarm systems,
driveways, paths, steps, terraces, patios, permanently installed swimming pools and hot tubs,
ornamental ponds, fountains, swimming pool covers and accessories, hard tennis courts, solar
panels and associated power-generating equipment, wind turbines used for domestic purposes
and service tanks all on the same site including the underground services, inspection hatches
and covers all supplying your home
building works building works, renovation, alteration, extension and/or refurbishment work being undertaken at
your home including unfixed site materials for use in connection with such works
business equipment office equipment and office furniture, supplies and stock, all owned by you or your family and
used in connection with your business or employment
12Executive Home Policy
Definitions
contents the following property that is solely used for domestic purposes and business equipment, all
belonging to you or your family or for which you or your family are legally responsible and
normally kept at your home
• household goods, furniture and furnishings and personal effects;
• children’s battery powered ride on vehicles, motorised or pedestrian controlled gardening
equipment, pedal cycles including electric assisted pedal cycles with a maximum speed of
15.5mph and a maximum power output of 250 watts, electric scooters (e-scooters) with a
maximum speed of 15.5mph, electric wheelchairs, Class 1 or Class 2 mobility scooters and
golf buggies;
• quad bikes that do not require a Road Traffic Act certificate of insurance;
• go-karts and off-road motorcycles with an engine size of 50cc or less;
• tenant’s improvements;
• fixtures and fittings and interior decorations for which you or your family are legally
responsible as occupier and not as owner;
• aerials, satellite dishes and CCTV equipment;
• trailers and non-motorised horse-boxes;
• surfboards and hand or wind propelled watercraft not exceeding 12 feet in length and its
associated equipment;
• art and antiques;
• jewellery and watches up to £7,500 in total;
• outdoor items
credit cards credit, debit, cheque, charge, store and cash point cards all belonging to or held by you or your
family solely for private purposes
credit reference agency(ies) the UK’s three credit reference agencies: Equifax, Experian and Callcredit
damage physical loss, destruction or damage unless otherwise excluded
domestic duties duties relating to you, your family or your home including but not limited to gardeners,
cleaners, nannies or grooms. Domestic duties include general maintenance at your home but
exclude renovations, extensions or demolition
domestic employee any person who carries out paid domestic duties for you within the territorial limits, other than
in connection with your business
drone a small unmanned aerial vehicle owned by you or your family and used for recreational
purposes
endorsement any variation in the terms, conditions and/or exclusions of your policy
13Executive Home Policy
Definitions
excess the first part of a claim which you must pay. More than one excess can apply to your policy as
shown in your schedule
home the private dwelling, garages, domestic outbuildings and greenhouses at the risk address(es)
shown in your schedule
jewellery and watches • items that are worn or intended to be worn and made of gold, silver, platinum or other
precious metals and/or set with precious or semi-precious stones;
• watches
all belonging to you or your family, or for which you or your family are legally responsible
operative sections those sections which you have selected and for which cover is provided under this policy
outdoor items items designed to be left or used outdoors including garden furniture, children’s play
equipment, statues and ornaments
period of insurance the length of time the insurance is in force as shown in your schedule
personal money cash, bank and currency notes, cheques, money and postal orders, bankers’ drafts, current
postage stamps, savings stamps and certificates, premium bonds, travellers’ cheques, travel
tickets, ski-passes and gift vouchers with a fixed monetary value and pre-loadable currency
cards all belonging to you or your family solely for private purposes
schedule this forms part of the policy and contains details of the persons insured, the period of
insurance, amounts insured for each section and any endorsement applying to the policy
tenants’ improvements improvements, alterations and decorations which have been undertaken to your home either
by you or a previous occupier, as tenant and for which you are legally responsible as occupier
and not as owner of the buildings
territorial limits Great Britain, Northern Ireland, the Isle of Man and the Channel Islands
unoccupied when your home is
• insufficiently furnished for normal living purposes for more than 30 consecutive days; or
• not lived in by you or your family or by any adult person with your permission for more
than 60 consecutive days
14Executive Home Policy
Definitions
we/us/our/Company Covea Insurance plc
you/your/insured the person or persons named in the schedule as the insured
your family your spouse, partner, children, foster children, parents and other relatives, permanently living
with you
15Executive Home Policy - Section 1
Contents, Art and Jewellery
What you are covered for
1. Contents, art and antiques, Your contents, art and antiques, jewellery and watches are insured against loss or damage
jewellery and watches whilst at your home or anywhere in the world unless stated.
2. Additional homes We will pay for loss of or damage to contents, art and antiques at a private residence
situated within the territorial limits which you own or live in and which is not listed in the
schedule provided that such property is not otherwise insured and that you advise us within
60 days of first owning or occupying the additional residence, whichever occurs first. You
must also pay us any additional premium that may be required. We reserve the right not to
insure the contents, art and antiques at the additional residence or apply terms, at the point
we are advised.
For the purpose of this cover, the definition of ‘home’ is deemed to include the private
dwelling, garages and domestic outbuildings of any such additional residence.
The maximum amount we will pay is 15% of the sum insured on contents, art and antiques
up to £50,000 in total.
3. Alternative accommodation and If your home is made uninhabitable as a direct consequence of loss or damage to contents
rent by any cause insured by this section we will pay the following costs, up to a maximum period
of 5 years:
• the cost of necessary and comparable alternative accommodation (subject to our prior
approval) for you, your family and your domestic pets and horses;
• the cost for the temporary storage of your furniture;
• any rent which you may still have to pay;
• any rent which ceases to be payable to you if you rent out all or part of your home.
4. Business equipment We will pay for loss or damage to business equipment up to £25,000 and the maximum we
will pay for supplies and stock used in connection with your business is £10,000. We will not
pay for any subsequent loss of profits or turnover resulting from any such loss or damage.
5. Death of artist We will pay for the increased value of art where such increase is due to the death of the
artist, provided that the artist’s death occurs within 6 months prior to the date of any loss or
damage. The maximum amount we will pay for any one piece of art is up to 200% of its sum
insured and up to £100,000 in total.
16Executive Home Policy - Section 1
Contents, Art and Jewellery
6. Defective title If it is proven that an item of art and antiques or jewellery and watches insured under this
section is not rightfully yours and you are legally obliged to return it to its rightful owner, we
will pay
• the purchase price of the item or, if less, the sum insured shown for the item in the
schedule;
• any charge placed on the item prior to your purchase of which you were unaware and are
legally liable to pay.
Provided that
• the item was purchased by you during the period that we have continuously insured your
art and antiques or jewellery and watches
• you advise us about the claim during the period of insurance
• you can show us that you made reasonable enquiries about the provenance of the item
prior to your purchase
• the item was not inherited by you or given to you as a gift
The maximum amount we will pay is £50,000 during any one period of insurance.
7. Dependent parents or We will pay for loss or damage to contents belonging to your dependent parents or
grandparents’ possessions grandparents who are residing in a nursing or residential care home up to £15,000.
8. Forced evacuation If you or your family are prevented from accessing your home by a local authority following
loss or damage having occurred to a neighbouring property that would have been covered
had it been insured under the terms and conditions of this policy, we will pay up to £5,000 for
essential replacement contents purchased by you or your family.
9. Gifts We will pay for loss of or damage to contents, art and antiques, jewellery and watches
purchased as gifts (other than gift vouchers) for a birthday, wedding, anniversary, religious or
other event celebrated by you or your family for the period from one month before until one
month after the event. The maximum we will pay is 25% of the total sum insured under this
section.
10. Golfers’ cover We will pay for the following additional expenses incurred whilst playing golf at a golf club
• In the event of a hole in one being achieved by you in an official golf competition, we will
pay £500. The scorecard must be authenticated by the club secretary and submitted to us
in the event of a claim;
• We will pay up to £25 per day (subject to a maximum of £250) for the necessary hire of
replacement golf clubs following loss or damage to your clubs, or any that you may have
hired or borrowed, whilst you are playing golf outside of the territorial limits. An invoice
for the cost of the hire must be submitted to us in the event of a claim.
11. Guests and domestic employees’ We will pay for loss or damage to contents in your home belonging to guests or domestic
personal property employees up to £5,000 provided such contents are not otherwise insured. The maximum
amount we will pay for any one article is £500.
17Executive Home Policy - Section 1
Contents, Art and Jewellery
12. Household removal We will pay for loss or damage to contents, art and antiques occurring during the course
of a household removal within the territorial limits provided that
• it is undertaken by a professional removal contractor;
• any claim for loss or damage caused by theft or attempted theft involves force and
violence to gain entry to or exit from the removal vehicle.
13. Marquees We will pay up to £30,000 for loss or damage to marquees and associated equipment owned
by you or which you have temporarily hired and are legally responsible for, provided it is not
insured elsewhere.
14. Memorial stones We will pay for loss or damage to a memorial stone or plaque in memory of your parent,
spouse, partner or child located within the territorial limits up to £5,000.
15. Metered water, heating oil or gas We will pay the cost of additional metered water charges or the cost of oil or liquid petroleum
gas (LPG) lost from the fixed domestic water or heating installation at your home up to
£10,000, provided that your home is not unoccupied.
16. New purchases We will pay for loss or damage to contents, art and antiques, jewellery and watches that
are newly purchased provided you inform us within 60 days of the purchase and pay any
additional premium required. The maximum amount we will pay is 20% of the total sum
insured under this section.
17. Outdoor items We will pay for loss or damage to outdoor items whilst in the garden of your home up to
£25,000 unless otherwise stated in the schedule.
18. Personal money We will pay up to £10,000 for loss or damage to personal money occurring anywhere in the
world, provided that
• the loss is reported to the police within 24 hours of discovery
• it is not held for business or professional purposes
• it is not held in storage
• the loss is not as a result of:
- theft from an unattended vehicle;
- theft from garages, domestic outbuildings or greenhouses;
- depreciation or confiscation, loss of value or shortages due to your error or omission.
18Executive Home Policy - Section 1
Contents, Art and Jewellery
19. Preventative measures We will pay up to £2,500, including survey costs, towards the cost of installing at your home,
either
a) a water leak detection and prevention system following a claim under this policy for loss
or damage caused by the escape of water from the main domestic water or heating
installation, or
b) a flood prevention system following a claim under this policy for loss or damage caused by
flood or by flooding resulting from storm
Provided that
• the net final settlement cost of your claim is greater than £20,000 (before the application of
this additional benefit)
• you did not have such a device installed at your home prior to the loss
• this has our prior approval, which we will agree and decide during the claims settlement
process.
We will not pay under this cover if we agree to pay for ‘Preventative measures’ under
Section 2 of this policy as a result of the same incident.
20. Reinstatement of documents We will pay the cost of replacing lost or damaged deeds, bonds, securities or similar private
documents up to £10,000.
21. Reinstatement of gardens We will pay for the cost of re-landscaping your garden, artificial lawn or grass tennis court and
costs incurred to remove and dispose of debris, resulting from loss or damage caused by
• fire, lightning, explosion, theft, attempted theft, impact by vehicles and aircraft, riot, civil
commotion, malicious acts or vandalism; or
• the emergency services; or
• falling trees, telegraph poles, lamp posts or pylons or any parts thereof.
We will not pay for
• loss or damage if you are not the tenant or leaseholder
• loss or damage to any communal garden areas
• the reinstatement of any fields, meadows, pastures, paddocks or woodland or for the
removal or replacement of any fallen trees in those areas
• costs relating to any undamaged part of the garden, artificial lawn or tennis court
• more than £2,500 for the removal and/or replacement of any one tree, plant or shrub
• more than £5,000 per incident for the removal of debris of fallen trees
• more than 5% of the sum insured on contents during any one period of insurance
• any loss or damage under this cover if we agree to pay for reinstatement of gardens
under section 2 of this policy as a result of the same incident
19Executive Home Policy - Section 1
Contents, Art and Jewellery
22. Removal of damaged contents Following loss or damage to the contents covered by this section we will, subject to our prior
approval, pay for costs that are necessarily incurred in removing the debris of any damaged
contents.
23. Replacement locks and keys If the keys (including key fobs and other remote controlled devices used for security purposes)
to your home are accidentally lost or stolen we will pay for the cost of purchasing and installing
any external door and window locks, key operated alarm switches, safe locks, gate or garage
door security mechanism and the replacement of any such keys.
24. Reward We will pay up to £10,000 to anyone (other than you, your family or the police) for information
which leads to the arrest and subsequent conviction of any person(s) who commits an illegal act
which results in an admissible claim under this policy.
What you are 1. the amount of the excess(es) stated in the schedule
2. loss or damage caused by
not covered for • theft or attempted theft
- of contents, art and antiques and jewellery and watches of student members of
your family whilst attending school, university or college, from any building other than
your home unless force or violence is used to gain entry or exit
- by deception unless the loss is reported to the police within 24 hours of discovery and
you are not entitled to reimbursement from any other party such as your bank or
building society
- where property is obtained by any person using any form of payment or means which
proves to be counterfeit, false, fraudulent, invalid, uncollectable, irrecoverable or
irredeemable for any reason
- of motorised garden and agricultural equipment, quad bikes, go-karts or off-road
motorcycles between the hours of 21:00 and 06:00 unless from a locked building
- of trailers and non-motorised horse-boxes unless secured with an anti-theft device
when left unattended
• river or coastal erosion
• faulty workmanship, defective design or use of defective materials
• wet or dry rot, rising damp, fungus, insects, vermin, pests, atmospheric or climatic
conditions
• storm, flood or frost to contents left temporarily or permanently in the open other than
outdoor items, aerials, satellite dishes or marquees and associated equipment
• electrical or mechanical breakdown other than where this involves deterioration of food in
your refrigerator(s) and/or freezer(s)
3. loss of or damage to
• jewellery and watches and personal money whilst in storage
• jewellery and watches that are held or used for business or professional purposes
• motor vehicles, motorcycles, caravans, aircraft and watercraft (other than as defined under
contents) and their respective accessories other than portable satellite navigation systems
and professionally fitted electric vehicle charging stations, power units and associated leads
20Executive Home Policy - Section 1
Contents, Art and Jewellery
What you are • electric scooters
− whilst being used in a manner that does not comply with current UK law
not covered for − whilst left unsecured when unattended and away from your home
(continued) • drones and pedestrian controlled aircraft
- exceeding 2kg in weight
- whilst being raced
- whilst being used for any commercial purpose
- where the user or owner has not complied with the legal requirements and guidelines
provided by the UK Government and the Civil Aviation Authority
• radios and other audio and telephone equipment installed in or on any motor vehicle
unless specified
• equipment used for hang-gliding, mountaineering, parachuting, potholing, windsurfing and
underwater sports other than when it is kept in your home
• quad bikes, go-karts or off-road motorcycles
- whilst being driven by anyone under the age of 17
- whilst being used outside of the boundaries of your home
- whilst being used for any purpose other than gardening and estate management,
incidental farming and horse or pet care
- if left unattended either temporarily or permanently in the open
• watercraft (as defined under contents)
- whilst being used for racing, speed testing or in any slalom event or in white water
- protective covers or sails that are split by the wind
- if not stored ashore when not being used
• sports equipment while taking part in professional sport
• pedal cycles or their accessories when left unattended away from your home unless
securely locked to a permanent structure
• wine resulting from
- mysterious disappearance, evaporation or gradual leakage
- the failure of any temperature controlling device
- climatic conditions, cork fly or inherent vice
- conversion, misappropriation or failure to keep proper records by any supplier
4. loss or damage caused by or during the process of repairing, restoring, renovating, treating,
professional cleaning and/or washing, dyeing, installation, adjustment or dismantling.
5. loss or damage from any unattended motor vehicle unless all windows are closed, all doors
and other openings are securely locked shut and any property insured by this section is
hidden from view in the boot, closed glove compartment, roof box or elsewhere inside the
vehicle where it cannot be seen from the outside.
Where an item is secured to an external carrier that is attached to the vehicle (e.g. pedal
cycles or skis) where it cannot be hidden from view, it must be locked to the carrier which
itself must be secured to the vehicle.
6. loss or damage occurring whilst in storage
• unless removed to a commercial storage facility
• unless any theft or attempted theft involves force and violence to gain entry or exit
• if the period of storage is greater than 60 days (unless you have agreed this with us and
paid any additional premium required)
21Executive Home Policy - Section 1
Contents, Art and Jewellery
• if this is more than 25% of the sum insured on contents, art and antiques (unless you
have agreed this with us and paid any additional premium required)
7. loss or damage when your home is unoccupied, caused by
• escape of water or leakage of oil from any fixed water or heating installation or
domestic appliance unless, prior to your home being unoccupied
- you had set the central heating system to operate continually at a minimum
temperature of 15 degrees centigrade during the months from November to March
inclusive or you had shut off and drained fixed water and heating installations, or
- you had informed us and we agreed an alternative arrangement with you
beforehand
8. loss or damage when your home is insufficiently furnished for normal living purposes,
caused by
• theft or attempted theft
• malicious acts or vandalism
9. loss or damage, when your home or any part is let or lent or occupied by tenants or paying
guests, caused by theft or attempted theft unless force and violence is used to gain entry or exit
Inflation protection The sums insured stated in the schedule for this section are index linked and will be adjusted
each month in line with a suitable index chosen by us. At each renewal, the premium will be
calculated on the adjusted sums insured.
Basis of claims The total sums insured on contents, art and antiques, jewellery and watches must represent
the full market value or the cost of replacement, whichever is the greater.
settlement Provided the total sums insured are adequate, we will at our discretion:
• pay the cost of repairing; or
• pay the cost of replacing as new; or
• replace as new; or
• make a cash payment.
We may make a deduction for wear, tear or betterment if the total sum insured is not sufficient
at the time of loss or damage.
Excess The excess shown in your schedule will apply to every claim unless:
• the claim is made under covers 3, 7, 10, 11, 14, 18, 19, 20, 22, 23 or 24 where no excess
applies
• the claim is for an item of specified art and antiques, jewellery or watches where no excess
applies
• the claim is for loss or damage to frozen and/or refrigerated food
• we have imposed an excess by endorsement shown in your schedule which applies to your
claim.
22Executive Home Policy - Section 1
Contents, Art and Jewellery
Basis of claims settlement continued...
Excess Waiver In the event of a loss greater than £15,000, no excess will apply unless:
• you have chosen to apply a higher excess above the standard policy excess of £250. In this
case, only the standard policy excess will be waived
• we have imposed an excess by endorsement shown in your schedule which applies to your
claim
• the claim is for loss or damage caused by subsidence, heave or landslip
• the claim is for escape of water from a fixed water or heating installation
• your home is unoccupied at the time of loss.
Specified items If an item specified under this section is totally destroyed or irrecoverably lost or is declared a
constructive total loss by us, we will replace the item or pay up to the sum insured stated against
the item in the schedule.
For an item of art and antiques, we will, at the time of the loss or damage, require that you provide
us with proof of ownership and a valuation by a recognised valuer which is no more than five years
old, unless we have already seen and accepted a valuation at the commencement of cover.
For an item of jewellery and watches, we will, at the time of the loss or damage, require that you
provide us with proof of ownership and a valuation by a National Association of Jewellers registered
valuer which is no more than five years old, unless we have already seen and accepted a valuation
at the commencement of cover.
If you are unable to provide us with a valuation as specified above we will base our settlement on
the current market value of the item or the cost of replacement, whichever is the lesser, at the time
of the loss or damage.
You will not receive a refund for the proportionate part of the premium paid for the item and you
will have to pay an additional premium to include cover under this policy for any replacement item.
Extended replacement We will pay up to 125% of the contents, art and antiques and jewellery and watches sums
insured if, at the point of loss or damage the market value of your contents, art and antiques
and jewellery and watches has increased beyond the sums insured stated in the schedule,
provided that
• a valuation of your contents, art and antiques has been carried out by a recognised
valuer or a valuation for your jewellery and watches has been carried out by a National
Association of Jewellers registered valuer which is no more than five years old at the time of
your claim; and
• the sums insured have been maintained by you since the date of the valuation to represent
the full replacement cost, including any re-evaluations and annual adjustments for inflation
and additions.
23Executive Home Policy - Section 1
Contents, Art and Jewellery
Basis of claims settlement continued...
Partial loss or damage In the event of partial loss or damage to an item of art and antiques, jewellery and watches,
we will pay the cost and expense of restoration together with any residual depreciation in value.
Matching items We will pay the market value or current cost as new to replace any undamaged item(s) or parts
of items forming part of a pair, set, suite or other article of a uniform nature, colour or design
when damage occurs within a clearly identifiable area or to a specific part where replacements
cannot be matched provided that you surrender any undamaged matching item(s) and or parts
to us.
Stamp, coin, or banknote In the event of loss or damage to a stamp, coin or banknote collection insured by this policy,
collections our claim settlement will be based upon the value(s) stated in a current recognised collector’s
catalogue (e.g. Stanley Gibbons, Spink & Sons or World Paper Money respectively) or the current
market value, whichever is less. The onus of proving value shall be upon you.
We will not pay for
• loss or damage caused by the process of mounting, dismounting or other work on stamps
or banknotes;
• loss or damage to any stamp, first day or other stamp cover, coin or banknote that is not
contained in an album, stockbook or similar collector’s portfolio, case or cabinet;
• more than £1,000 for any one stamp, first day or other stamp cover, coin or coin set,
banknote or banknote set unless more specific details have been lodged with us.
The maximum amount The maximum amount we will pay for
payable • any one claim is the sum insured shown in the schedule for this section plus index linked
increases less the amount of any applicable excess, unless extended replacement cover
applies. We will also pay additional costs incurred under:
- Cover 3 - Alternative accommodation and rent;
- Cover 22 - Removal of damaged contents.
• any single article, pair, set or collection of art and antiques is £25,000 unless specified
• any single article, pair, set or collection of jewellery and watches is £10,000 unless specified
• loss of or damage to jewellery and watches whilst contained in baggage or in transit
outside the personal control of you or an adult member of your family is £10,000
• any quad bike, go-kart or off-road motorcycle is £10,000
• any trailer or non-motorised horse-box is £5,000
• any watercraft as defined under contents is £5,000
• loss or damage from any unattended motor vehicle is £15,000
• damage caused by chewing, scratching, tearing, vomiting or fouling by pets is £5,000
• contents, art and antiques and jewellery and watches of student members of your family
from any student accommodation whilst attending school, university or college is £15,000
• any specified item is the respective sum insured shown in the schedule.
24Executive Home Policy - Section 2
Buildings
What you are covered for
1. Buildings The buildings are insured against loss or damage.
2. Alternative If your home is made uninhabitable as a direct result of loss or damage to the buildings
accommodation and loss covered by this section we will pay the following costs, up to a maximum period of 5 years:
of rent • the cost of necessary and comparable alternative accommodation (subject to our prior
approval) for you, your family, your domestic pets and horses
• any rent which ceases to be payable to you, if you rent out all or part of your home.
3. Architects’ and surveyors’ Following loss or damage to the buildings covered by this section we will, subject to our prior
fees and other costs approval, pay necessarily incurred
• architects’, surveyors’, legal and other fees;
• removal of debris costs;
• additional costs involved in complying with statutory regulations or local authority
requirements, other than when loss or damage occurs after a notice to comply has been
served on you.
4. Environmental home We will pay up to £10,000, subject to our prior approval, towards the cost of installing a solar,
upgrade wind or geothermal electrical power-generating system following a valid claim under this policy
for loss or damage to the buildings, as part of the repairs to the electrical, heating or water
system, provided that
• the net final settlement of your claim will be greater than £20,000 (before the application
of this additional benefit);
• you had not previously had a solar, wind or geothermal electrical power-generating system
installed at your home.
If we agree to pay under both this Cover and the ‘Preventative measures’ Cover within Section
1 or Section 3 as a result of the same incident, the maximum amount we will pay towards all
upgrade measures will be £10,000.
5. Environmental home If, following a valid claim under this policy for loss or damage to any solar, wind or geothermal
additional costs electrical power-generating system, you have to purchase your electrical power from a
power utility company we will, subject to our prior approval, pay up to £2,500 for additional
costs incurred for up to 12 months, including loss of income derived from any excess power
generated, based upon statistics recorded up to 12 months prior to the date of the loss.
6. Fixtures and fittings We will pay for loss of or damage to fixtures and fittings, that would normally form part of the
temporarily removed buildings, whilst temporarily removed from your home to another building within the territorial
limits for a period of no more than 60 consecutive days.
25Executive Home Policy - Section 2
Buildings
7. Forced evacuation If a local authority prohibits you from living in your home following loss or damage having
occurred to a neighbouring property that would have been covered had it been insured under
this policy, we will, subject to our prior approval, pay the cost of necessary and comparable
alternative accommodation for you, your family, your domestic pets and horses and any rent
which ceases to be payable to you, up to a maximum period of 6 months.
8. Mortgagees’ interest Any act or neglect by you or the occupier of your home, which increases the possibility of loss or
damage shall not prejudice the insured interest of the mortgagee provided that
• such act or neglect is entirely without the authority or knowledge of the mortgagee;
• as soon as the mortgagee becomes aware of any such act or neglect, written information is
forwarded to us and any additional premium required is paid.
9. New fixtures and building We will pay up to £75,000 including VAT for loss of or damage to new fixtures, fittings and/or
works building works owned by you or for which you are responsible, all kept within the boundaries of
your home, whilst awaiting installation or construction.
We will not pay for any loss or damage
• where the cost of all building works is in excess of £75,000 including VAT unless this has
been agreed with us and cover extended as shown in your schedule and any additional
premium paid, prior to any works commencing;
• caused by storm or frost to unfixed site materials left in the open;
• to building works that are more specifically insured elsewhere;
• to unfixed materials, fixtures or fittings kept outside the boundaries of your home, whilst
awaiting installation or construction.
10. Preventative measures We will pay up to £2,500, including survey costs, towards the cost of installing at your home,
either
a) a water leak detection and prevention system following a claim under this policy for loss
or damage caused by the escape of water from the mains domestic water or heating
installation, or
b) a flood prevention system following a claim under this policy for loss or damage caused by
flood or by flooding resulting from storm, provided that
• the final settlement cost of your claim is greater than £20,000 (before the application
of this additional benefit);
• you did not have such a device installed at your home prior to the loss;
• this has our prior approval, which we will agree and decide during the claims settlement
process.
We will not pay under this cover if we agree to pay for ‘Preventative measures’ under
Section 1 of this policy as a result of the same incident.
26Executive Home Policy - Section 2
Buildings
11. Reinstatement of gardens We will pay for the cost of re-landscaping your garden, artificial lawn or grass tennis court
including costs incurred to remove and dispose of debris, resulting from loss or damage caused
by
• fire, lightning, explosion, theft, attempted theft, impact by vehicles and aircraft, riot, civil
commotion, malicious acts or vandalism; or
• the emergency services; or
• falling trees, telegraph poles, lamp posts or pylons or any parts thereof.
We will not pay for
• the reinstatement of any fields, meadows, pastures, paddocks or woodland or for the
removal or replacement of any fallen trees in those areas
• costs relating to any undamaged part of the garden, artificial lawn or tennis court
• more than £2,500 for the removal and/or replacement of any one tree, plant or shrub
• more than £5,000 per incident for the removal of debris of fallen trees
• more than 5% of the sum insured on buildings during any one period of insurance.
12. Replacement locks and If the keys (including key fobs and other remote controlled devices used for security purposes)
keys to your home are accidentally lost or stolen we will pay for the cost of purchasing and installing
any external door and window locks, key operated alarm switches, safe locks, gate or garage
door security mechanism and the replacement of any such keys.
We will not pay under this cover if we agree to pay for ‘Replacement locks and keys’ under
Section 1 of this policy, as a result of the same incident.
13. Sale cover If you contract to sell the buildings of your home the purchaser will be entitled to the cover
provided by this section, between the exchange of contracts and the completion of the sale,
provided that the purchaser completes the purchase and the buildings are not otherwise
insured.
14. Trace and access We will pay the cost of finding the source of the escape of water, oil or gas from any fixed
domestic water or heating installation or storage tank and the subsequent repair to walls, floors
or ceilings, driveways, paths, patios or gardens, provided that this is incurred with our approval.
We will not pay more than £50,000 for any one claim occurring outside your home.
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